Nad,
I think you and your husband’s planning is very sensible, as having children means having a big responsiblity of taking good care of family. And as you mentioned that both of you are studying, it is understandable it will be a little hard to manage with having kids. Also financial situation is to be considered before having children and I think you and your husband have considered that.
Just let your in-laws know of such things, both of yours studies, current lifestyle, and financial status (incase this is a concern) and tell them it may be a little hard to have kids at this point, and that you do plan to try a little later.
Lethal, your post didn’t help her in any way and instead scared her. Please don’t say that people who don’t try at some point won’t have kids if they try later. People have or do not have kids by Allah’s wills only. It is not that they will have kids if they try at some point, and will most likely not have kids if they try later. If Allah wills and wishes for someone to* have* children, they* will* have children no matter when they try. And if Allah wills and wishes for someone not to have children, they won’t have children no matter when they try and how much they try. Next time, please be careful of what you say.